Comenity

Don't bother. They play with limits constantly decreasing even if you pay on time. I didn't use one of their cards for only 4 months and they closed it without even informing me. Not worth the inquiry on your report.

This has been the worst credit card I have ever had. I got behind on payments due to a job loss and tried to make arrangements. I paid what I could and their debt collection department would call me 6-8 times a day. Sometimes more. I have since then closed my account with these people as the fees and balances kept getting higher. These people have the worst customer service for a credit card company and I will never ever get another store credit card through Comenity bank in my whole entire life.

DO NOT USE COMENITY BANK FOR ANYTHING!! WRITE A CHECK, PAY CASH, BUT AVOID THEIR CREDIT CARD. The billing cycle is as difficult to understand as their customer service staff located "Offshore". They are reading off a script as English is their second language, they use fake American names and one even tried to get me to pay my bill a second time. I paid the bill in full to have to not deal with them. I suggest everyone do the same and keep every statement for verification of facts. One rep had the audacity to ask what my second cell phone was for?? I dont have a landline, it was none of their business. I am writing because I was in customer service for 30 years and would never talk to people in this manner. It is too bad the merchants I like use this bank. I plan on letting the merchants know what a bad experience I have had and it will affect my shopping habits.

I signed a finance agreement with Ideal Image for $3500. My payments were supposed to be interest free. Ideal Image set up a payment schedule of $150 per month but Comenity Bank bank billed me $75 per month. I sent in monthly payments to Comenity Bank ranging from $100-150 every month, thinking I was getting ahead because I was unaware of the deferred interest penalty if not paid in full within 24 months. I never missed a single payment, nor was I ever late. On the 25th month I was slapped with a deferred interest charge of almost $1200! When I called the customer service helpline no one could help me. I was told to send Comenity Bank a written request by mail. After sending a written correspondence Comenity Bank would only waive $390 of the deferred interest, even though I paid the remaining balance in full merely 8 days after the 24th month. I will never do business with this bank ever again. Lesson learned.

Comenity Bank is the worst bank ever. Beware!! I had a Pottery Barn card. Been making payments. I got behind one payment. Decided to go on a payment plan then pay a large sum in a few months then get rid of the card. They called an associate of mine's sister whom I don't know and have never met and told her, I have her listed as a reference. Which was a lie. Which could have resulted in me being bought up on fraud charges. I am now taking legal actions against them.

DON'T EVER OPEN A CARD WITH COMENITY EVER!!! I opened a card while in BJS last month and was planning on making this my major card to use for all purchases. I thought my payment due date was the sixth of the month, and paid my bill on that date. I was wrong and it was due on the fourth. My full statement charge was $71.01 which is what I had paid. They charged me $27 late fee and $90.63 for a finance fee. I called Customer Service in Kansas City and spoke to Adrianna (Account Supervisor) and Brady (Sr. Account Manager) and requested them to waive the finance fee and late charges, but they refused!!! I told them that I am never late with my bills and that this was the first month of the card. They still refused. These fees were $117.63 which is almost $50 more than what was due.

I sent in a payment to pay my Kay Jewelers balance. The payment was applied to my husband's account in error. As soon as I received both statements showing the balance remaining on my account plus late charges, and my husband statement showing a credit balance in the amount of the payment submitted for my account I called Kay’s. I was advised they would file a payment dispute to Comenity Bank for corrections and all fees would be waived. I received a letter from Comenity requesting proof of error. I sent a detailed explanation along with copies of both statements. The following month I received a collection phone call for past due amount on my account. I called Comenity Bank and spoke to 3 different individuals customer service representatives, Supervisor and Sr Supervisors. I had to pay my balance again and credit would be refunded from my husband's account, not ideal but acceptable.

I had a Lane Bryant Credit Card, in good standing, with a 600.00 credit level; used the card once or twice and decided that I didn't shop at Lane Bryant enough to warrant a credit card. Then, a second card appeared, through Lane Bryant, that I don't know anything about and have not used this second card to purchase a thing from Lane Bryant. The second card has incurred late fees for a purchase that I did not make and upon asking for proof of the purchase and my signature - none has been provided. Now my credit score has taken a hit - numerous phone calls to my cell phone - monthly statements with the mounting late fees - calls to an ex-husband claiming that Comenity didn't have a way to reach me, when they are calling me on my mobile phone. Calls to my in-laws in another state trying to locate me - and then numerous emails telling me that my home address, which is not a PO Box, is not accurate, but yet I get a statement every month.

The worst card ever!! 3 years with them and have been nothing but loyal. Lowered my CL by 700.00 during the holidays, now it lowered my credit score. Never received notice or ever missed a payment. HORRIBLE! Used to be my favorite card but I’m done with them. Please don’t let them do it to you, not worth it.

I made the mistake of signing up for a J.Crew Store card when they were running a promotion, thinking I would get some added savings and benefits. Such a huge mistake. Wish I could go back in time and undo. This company is predatory and abusive, taking any and every opportunity to damage your credit. The first month I had the card I had a hard time figuring out how to make a payment... Setting up and accessing my new account online was a headache and my first payment was late as a result. Not even 30 days. Guess what. They dinged my credit score. A score I had been working very hard to improve. I then realized that there was NO WAY to set up autopay on the account, which made it difficult to pay bills. I'd need to log in online and manually pay every month... a hassle I haven't had to deal with for nearly a decade.

I have paid this bank on time every time since I have had an account with them for about 3 years now. This month they have greatly destroyed my credit by lowering my credit line to the amount of my balance. I owe on one account $2,370 and they lowered my balance to $2,400 which makes me look like I have almost maxed out my card. To top it off they have done the same with the other cards too. On one I owe $96 and they lowered the credit line to $100.

I am currently fighting with this bank (unsuccessfully) to have them remove excessive late fees. I made ONE purchase, paid in cash at the store a few weeks later which was one day past the due date and I am now accessed 60$ in late fees on a paid off $38.00 charge. I am adding this review so that whoever has a problem with this bank will know to SUBMIT a complaint to Consumer Financial Protection Bureau. Hopefully if enough people do this, more customers won't get screwed.

I have a few store cards through Comenity Bank, and just astonished how they can cripple a person's credit score, just because! I have NO LATE PAYMENTS, pay much more than what's actually due every month, and just found out that my credit limits have been lowered, which in turn, has ruined my credit. How can they get away with this? I had no clue the card's limits were lowered until I just checked balances to begin shopping for Christmas. I thought I had a few hundred on one card, several hundred on another (all in good standing with NO LATE PAYMENTS) and was shocked to see that they had lowered my available credit. I don't understand how they can just crucify someone's credit rating/scores without just cause?

Comenity Bank does not process the payments they receive in a timely manner. I scheduled a payment on the 12th and they didn't attempt to take the money until the 24th. By the time they tried to take it, it was already spent because I thought they took it already. Then after that they ruined my credit report by stating that I didn't pay on time and then began calling my phone ten times per day using different phone numbers. I WILL NEVER GET A CREDIT CARD WHEREAS THEY ARE THE FINANCING BANK EVER AGAIN AND NEITHER SHOULD YOU.

I have a Venus credit card. I had a payment due in the beginning of October. I made a late payment mailed out on Oct 28. I made the payment for more than what was owing. I kept getting phone calls from Comenity coming up as fraud or spam. The problem is, the call with auto answer on my phone. In other words, they not only called, but also had the ability to answer my phone without my consent. It was freaky! I checked my bank account and nonpayment was processed. However, I kept getting the automatic calls that also answered my phone, with the ability to listen in on my in home conversations... Their calls were also able to hang up my calls if I was on the line. So I'm talking to my cousin in the phone, I get that phone number calling me, I don't answer it and continue to talk to my cousin and it hangs up my conversation automatically. Super freaky and WRONG!!! DO NOT TRUST COMENITY BANK. THEY ARE FRAUDULENT AND SCARY!!!

I had a Hot Topic card through Comenity Bank. I used it a couple times throughout the year and normally paid it off in a few months just to keep the account open. I had used it, then went through a divorce, and because of that I was out of work and not able to make a payment. That's fine. I'll take the late fee for that. I got a job, but my card was due on the 4th and I don't get paid till after the 9th. I called them and waited on the phone for what felt like forever, then spent even more time with THREE, very rude, different people who all said 'we can't do anything until you make a payment.' I'm sorry - I have $10 in my account and I don't get paid until the 9th. Long story short - They didn't even try to help. I am dissatisfied with their "changes" and will be canceling any and all cards I have through them.

I bought furniture from El Dorado. They sent me inferior damaged goods. The next thing I know I am being threatened by a Comenity bank. Comenity refused to consider my dispute and correspondence. I sent all documentation that I had. They charged my El Dorado Blucard 51.77 (after I had the money returned to my account by my bank due to a dispute), without authorization or signature, or permission. Senior account executive refuses to contact the store itself. Comenity is adding finance charges on top of the illegal charge. I do not owe Comenity any money. In fact, El Dorado owes me 114.22. This has been verified by El Dorado. El Dorado and Comenity say they are not the other company, so whatever dispute I have, I have to contact the other guy. El Dorado has closed my account, and cannot access the information. This cannot be accurate.

BEWARE! My experience with Comenity bank has been a disaster. Although I provided proof of payment they reported me as delinquent dropping my credit score 75 points!!! Then the send me a letter stating they've dropped my credit account to only $100!!! My credit score is the same as the day they approved me for a credit card. This is NO way to treat anybody.

I have been a Pier 1 customer with perfect pay for 20+ years. Comenity bank sent me a letter that they were closing my account because I use PO BOX for mailing and they couldn't verify my physical address. They advised me that they use an auto dialer to call and check and of course I would never take those calls. I was advised I could have my account re-opened by sending all my personal information by mail and when I called after sending they advised me couldn't open my account and the only thing I could do is reopen a new account which would affect my credit score. Stay away from this company!

Stay away from any cards by Comenity! I have about 7 cards with them, never late on a payment. I recently paid off a few and made some large payments on others. Today I got an e-mail from a credit monitoring website that my score had dropped due to a creditor closing an account. I checked, they closed my Pier 1 account with no notice! I've never been late on any of my payments, and in fact pay them early. I had 500.00 available credit, with 0 balance, and they closed it for no reason!

I had gotten a $4000 limit at Zales for a purchase. Was told to pay it off in a year no interest and they told me how much to pay for my final payment. I paid it and 2 weeks later they added $467 to my bill saying I owed $30 off my final payment and no one can adjust it or help. I have to pay it off. Stay away from this bank. They are out here to rob people.

No clear answer and claims that they are in the 'Right' to do this. They might be but it is NOT ethical at all. 12/19 Promo Finance Charge 657.72, 1/12 Finance Charge 657.72, 1/12 Promo to Revolving 1,873.31, 2/9 Finance Charge 58.97. My original purchase was for 2,194.31. Current balance with consistent monthly payments 2,039.61. I owe only 100.00 less than the original charge 2 yrs later. Will NEVER use them again. Will be paying them off this year.

I had a Victoria's Secret credit card since 2002. I had never made a late payment, and still have a balance of a few hundred dollars on the account. I get a letter that my account had been reviewed and was closed. I immediately call Comenity customer service for the VS credit card and was told that the bank has the right to review accounts and close them at any time. The reason was vaguely given that my billing goes to a PO BOX, which it had for the entire time I had the card, so this made no sense to me. I live in a rural community and post office boxes are very common so that we don't have to maintain a personal mailbox. I was told since the account was closed, they could not re-open it, and I would have to re-apply for a brand new account. I declined and simply said I would pay the balance I owe. I am so dissatisfied with them just closing the account with no advanced warning, especially after being a loyal customer.

I have been a J.Crew card member for over 10 years and have never experienced such terrible customer service in my life since J.Crew switched to Comenity a few years ago. There was apparently an attempted fraud on my account so Comenity sent me a letter which said they were suspending my account due to security concerns and that I needed to send in a few identification items (Driver's license, etc.) within THIRTY days or else they would close my account. I sent in the items but they didn't receive them which is hard to believe. But ok, even if that were true, they terminated my account WITHOUT sending me a letter, email, giving me a call, nothing, to let me know that my account was terminated. That is outrageous to me. Had I known they terminated it, I would have RESENT the information they needed.

We purchased a trip to China in July of 2017 and purchased it on our Comenity Toyota Visa Card. We were notified in August of 2018 that the Company went out of business for out October 2018 Trip. Our friends put their trip cost on a Mastercard and received a credit in three weeks. We have been told that there is nothing they can do, to yes file a claim with Visa Insurance Carrier for a refund of travel cost up to $2000. Also were told that we would receive a refund of the foreign transaction fees only to receive an email 2 hours later to say that would not happen. Still waiting for refund and they keep asking for more documents that they already have or refer you to the insurance company. DO NOT DO BUSINESS with them.

My husband brought several thousand dollars worth of jewelry from Kay Jewelers with insurance the banking and payments were transferred to Comenity Bank. We spent money on insurance through Kay Jewelers and it was canceled before the Comenity Bank was transferred. Which makes no sense since they are the same insurance company 3rd party that Comenity Bank uses. So after we find out this bank took over we tried to find out about our coverage given the run around then asked about new insurance no help. Finally account holder has heart attack and ended up with quadruple bypass surgery. Comenity Bank would not help defer payments nor help me with insurance options. I would rather return the jewelry. The sad thing is the insurance would have covered the balance but they don't have an answer of why we were not able to see this online until today and why it was not offered.

Disgusted by their total nonchalant attitude about customer service and trying to accommodate a customer in any fashion. I am so angry right now I am seeing red. I have been a long time Victoria’s Secret customer and have a large available credit on my credit card. I have never been late on my payment. Never missed a payment on over the last 20 years of having their card. I’m sure I’ve paid quite a bit of money and interest. For some reason I couldn’t get into my online account so I decided to call them directly and for some reason they had the wrong bank account listed. No problem, I called and talked to customer service Erik ID number **, explain the whole situation to him and ask if you would kindly update my bank information and I would make my payment right away on the phone.

This review is for my Pottery Barn card, which is issued by Comenity Bank. Do your homework before applying for this card. This card has a high interest rate with high late fees, and horrible customer service as stated by many other reviewers. After approving you for the card and subsequently using the card with 100% on-time payments, they may suddenly ask you for copies of your driver's license and social security card before they'll let you continue using the card, for no other reason than they feel the need. Huh? I have never had a credit card ask me for that information. Also note that their system is set up to surreptitiously charge their customers exorbitant late fees and finance charges. How do they do this? By stating that the due date is on a specific date, let's say the 16th of the month, as an example, but then imposing an early cutoff time on that day in order for the cardholder to avoid the late fee and finance charges.

Cardholder for years. High credit limit over $10,000 - NEVER missed a payment - paid in full then they lowered my available credit to $750 and said I had a credit score of 400!!! I work in the financial industry, have access to all 3 bureaus, just refinanced my house, and my score is in mid 700s. I called, wrote and never got an explanation. They refused to tell me what credit bureau they used. Isn't fraudulent credit reporting illegal? I closed the card. Horrible business practices.

Shame on Comenity Bank! I received a surprising letter from them that my HSN credit card account was now closed. I have 18+ years of excellent payment history with that card. I called 5 times and got passed around Comenity and transferred to HSN with no good answer from anyone. I would really like to have my account back with HSN. But HSN said it is in the hands of Comenity Bank. Comenity said they closed my account because they did not have a physical address! Weeks before the "closed account" letter, they left a voicemail message that I promptly returned and was on hold for over 15 minutes (no exaggeration) so I hung up and forgot about it.